Keystone Funding in New Jersey vs the state
8.3%Denial rate-9.36 pts vs state
8.3%Decision denial rate-14.72 pts vs state
75.0%Origination rate+19.32 pts vs state
6.50%Median rate-0.25 pts vs state
0.10Rate spread (pts)-0.18 pts vs state
$140kMedian applicant income
171Loans originated
19Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 339 | 228 | 5.0% | 6.50% | #123 |
| 2024 | 231 | 174 | 7.4% | 6.63% | #180 |
| 2025 | 228 | 171 | 8.3% | 6.50% | #188 |
What Keystone Funding lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Keystone Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 35 | 28 | 3 | 8.6% |
| Gloucester County | 32 | 25 | 2 | 6.3% |
| Union County | 17 | 10 | 3 | 17.6% |
| Somerset County | 16 | 15 | 0 | 0.0% |
| Essex County | 15 | 8 | 2 | 13.3% |
| Burlington County | 14 | 11 | 2 | 14.3% |
| Middlesex County | 12 | 11 | 0 | 0.0% |
| Ocean County | 12 | 7 | 2 | 16.7% |
| Morris County | 11 | 7 | 0 | 0.0% |
| Monmouth County | 10 | 8 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 228 applications in 2025, of which 171 were originated and 19 denied.
8.3% of all applications, or 8.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Keystone Funding originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Keystone Funding's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology